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Hmm, so it affects currency drops
and experience?
Yes, exactly.
Also, remember that since you can only enter and leave a map a total of 6 times, full-clearing it before you head out for the first time means you can maximize the quality of loot you bring back with you.
Will I eventually be able to reach a point where I don't out-level content?
Like say I'm level 24 in The Crossroads in Act 2 and out-level the area by 7 levels. If I continue on normally (normal being fully clearing areas encountered at least once), will I eventually get my level range close to the map level due to the lower XP gain?
I'm pretty much right where you are almost exactly. I just did the (fell)shrine and I'm level 25...